Rich Holsman
Branch Manager, VP of Lending | NMLS# 95607
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, L... Show More
Location & Business Hours
Business Hours
Fri
9 AM to 5:08 PM
Sat
closed
Sun
closed
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Reviews from Web
Ery attentive with call backs and email responses.
Michael and his Wife were very nice and very helpful
Fred was always at the ready and extremely helpful during my first home buy. I couldn't have asked for someone better to have handled our process. He was extremely fast to answer my questions. Without a doubt, I will be using Fred in the future....
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Thank you!
Answered all our questions and provided great communication every step of the way.
Fred was very professional and pleasant to work with. Fred was always available to talk either via phone email or text. Fred communicated when documents were needed and responded when they were received. Fred took the time to explain the process...
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The whole team. Nicole awsome and Jennifer
Great team to work with. Very thorough and always kept me up to date on activities. Great communication. The Holsman team is fantastic. Thank you.
The personal attention. We were completing this transaction out of state and we felt confident that everything was being handled professionally.
Fred was always super responsive.
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About
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, Lower, LLC offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry-leading customer service, we’re sure to find the home financing that is right for you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 95607
Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.